Hm, the last one didn't go through. In any event, I think you should refrain from using 'third world' and use 'exotic' instead.

I read excerpts from what I think is the same study. I was astonished at how little people save. I understand that incomes and expenses vary, but it seems like if money is short people need to figure out what they NEED. Really NEED. I'm not unsympathetic to people falling on hard times and there are all kinds of unforeseen circumstances, but let's be honest. That's not most people's problem.

Charlie doesn't know this yet but I'll be moving into his basement in El Salvador or wherever when it's time to retire. I'm sure I could do AMAZING things with a can of Feline Feast and a papaya!